<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG /> </o:OfficeDocumentSettings> </xml><![endif]--> <p class="MsoNormal">Bankacılık Düzenleme ve Denetleme Kurulu'nun (BDDK) kredi kartı taksitlerine sınırlama, tüketi-ci kredilerine de vade ve teminat şartı getiren düzenlemelerine Merkez Bankası'ndan destek geldi. Merkez Bankası'nın yaptırdığı ülke araştırmalarına göre kredi kartına ve tüketici kredilerine getirilen sınırlamalar, bu kredilerde yüzde 8-20 düzeyinde yavaşlamaya yol açıyor.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Örnekleri inceledi</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Merkez Bankası uzmanlarının, kredi kartı ve tüketici kredilerine önlem alan çeşitli ülkelerdeki uy-gulama sonuçlarını ortaya koyan araştırması 2014 yılının ilk Enflasyon Raporu'nda yer aldı. Araştır-ma sonuçları, 1 Şubat'tan itibaren uygulanmaya başlayan kredi kartı ve tüketici kredisi sınırlamalarının Türkiye'de de tüketicilerin kredi iştahını ciddi biçimde azaltacağını gösterdi.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Kart kullanımı azaldı</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Merkez Bankası raporunda, "Ülke örneklerinde görülen sonuçlara dayanarak BDDK'nın kredi kart-ları için yürürlüğe koyduğu düzenlemelerin kredi kartı kullanım artış hızını düşürücü yönde etki yap-ması değerlendirilmektedir" denildi. Son düzenlemelerin tüketici kredisi artış hızını da yavaşlatacağı belirtilen raporda benzer önlemlerin son yıllarda 70'in üzerinde ülke tarafından uygulandığına dikkat çekildi.</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Sınırlama pırlanta pazarını da etkiler</p> <p class="MsoNormal"> </p> <p class="MsoNormal">Yürürlüğe giren kredi kartına taksit sınırlaması uygulamasıyla bu yılın Türkiye pırlanta pazarı için de zorlu bir yıl olacağı ileri sürüldü. Bain&Company İstanbul Ortağı Serhan Nadir, pazarı daraltacak unsurları şöyle saydı: "Artan dolar paritesi işlenmemiş elmas ve pırlanta fiyatlarını yukarı iterek, müş-teriye yüksek perakende fiyatları olarak yansıyor ve talep artışını olumsuz etkiliyor. Kredi kartıyla taksitli alışveriş sınırlaması da piyasada daralma riskini artırıyor. Son olarak da ÖTV'deki potansiyel değişiklikler pırlanta sektörünü şekillendirecek önemli bir faktör olarak öngörülüyor."</p> <!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves /> <w:TrackFormatting /> <w:HyphenationZone>21</w:HyphenationZone> <w:PunctuationKerning /> <w:ValidateAgainstSchemas /> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF /> <w:LidThemeOther>TR</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables /> <w:SnapToGridInCell /> <w:WrapTextWithPunct /> <w:UseAsianBreakRules /> <w:DontGrowAutofit /> <w:SplitPgBreakAndParaMark /> <w:EnableOpenTypeKerning /> <w:DontFlipMirrorIndents /> <w:OverrideTableStyleHps /> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math" /> <m:brkBin 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